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SAN FRANCISO and RA'ANANA, Israel (5/29/13)--Two new payment products seek to improve integration between marketing and mobile payments.

San Francisco-based Banno is developing advertising technology that financial institutions, including credit unions, can tie to payments and other financial products.

A provider of data-enriched Web and transaction marketing services for financial institutions, Banno recently introduced a product that offers products based on consumers' areas of interest. The product, called Kernel, integrates across different bank channels, including mobile, online and phone.

It analyzes a user's engagement to produce marketing specific to how the consumer uses each channel. As a result, credit unions and banks can cultivate strong leads and actionable opportunities for their products and services, Banno said.

"Consumers interact with a multitude of self-service banking channels across an ever-expanding array of devices," said Wade Arnold, Banno CEO. "Kernel simplifies the collection and analysis of these interactions to expose an individual's intent and changing interests. Automatic campaign ad delivery allows institutions to set and track their campaigns as well as visually explore their success. Now, banks and credit unions can address a consumer's needs with purpose and accuracy, delivering the right product message over multiple channels."

Ra'anana, Israel-based ZooZ, a payment platform company, offers a product that allows consumers to pay for merchandise directly from an advertisement rather than navigating to another site (Payments Source May 24).

Users tap on a banner ad within an app, which launches ZooZ's payments engine. If users have previously registered with ZooZ, they don't have to enter a card number or other payment details.

ZooZ is selling the new in-ad system to advertising agencies and is testing the technology with some unidentified companies.